Trust every document. Decide with confidence.
Credora authenticates, verifies, and analyzes financial documents with AI precision — so lenders, enterprises, and institutions can decide in seconds, not days.
0.0%
Extraction accuracy
< 7s
Document processed
0k
Docs per month
SOC 2
Type II compliant
Live extraction
credora/scan
Pay Stub
2025-04-12
Extracted fields
0 / 6
Applicant
Ava Morgan
Income / mo
$5,100
Employer
Northstar Labs
Doc ID
P8492A77
Tax year
2025
Anomaly
None detected
Risk score
3.1s
12/100
Low99.4%
extraction acc.
< 7s
avg. processing
60+
document types
Trusted by institutions worldwide
Manual review is a liability.
Three quiet costs are draining institutions every quarter. They compound — and they don’t show up on any dashboard until something breaks.
$6B+
Document fraud
Annual global cost to financial institutions from forged, tampered, and synthetic documents.
5–12 days
Manual underwriting
Average review window before a credit decision is reached on a single application.
25%
Document errors
Of submitted documents contain inconsistencies, missing fields, or data conflicts.
Three pillars. One decision-grade output.
Understanding, fraud detection, and cash flow analysis — engineered together so every signal cross-checks the next.
Every field. Every format. Zero guesswork.
Credora reads bank statements, pay stubs, tax forms, invoices, and identity documents with 99.4% extraction accuracy — regardless of quality, format, or language.
Multi-format ingestion
PDF, image, scan, native digital — same pipeline.
Specialized models per type
A bank statement is not a tax return. We train accordingly.
Maker-checker AI verification
Two models check each other before a field is finalized.
Audit-ready structured output
Every field is timestamped, scored, and traceable.
99.4%
Extraction
60+
Doc types
6.2s
Avg. time
28
Languages
Extraction Pipeline
VerifiedAPPLICANT
Ava Morgan
INCOME
$5,100/mo
EMPLOYER
Northstar Labs
DOC ID
P8492A77
DATE
2026-04-12
Pipeline complete
5 / 5 fields · 6.2s
Find what humans miss.
Credora runs forensic-level analysis on every document — detecting tampering, metadata anomalies, data inconsistencies, and behavioral risk signals.
Pixel-level tampering detection
Fonts, kerning, metadata, compression artifacts.
Cross-document consistency
Income vs. bank statement vs. tax return.
Behavioral risk signals
Submission patterns, device fingerprinting, IP heuristics.
Explainable risk score 0–100
Every flag links to the exact evidence trail.
98.7%
Detection
< 0.8%
False positives
4.1s
Time to flag
140+
Signals
Forensic Inspection
High RiskRisk Score
3 anomalies73/100
High
flagged in 4.1s
Revenue clarity. Debt capacity. In seconds.
Turn bank statements and transaction data into decision-ready cash flow intelligence. Credora tags every transaction and benchmarks against industry profiles.
Precise transaction tagging
Income, NSF, loan payments, transfers — labeled and grouped.
Revenue and balance trends
Monthly inflows, outflows, average daily balance.
Debt service coverage ratio
DSCR computed automatically across all obligations.
Industry benchmarks
200+ verticals — compare every applicant to peers.
97.8%
Tag accuracy
24 mo
History
200+
Benchmarks
73%
Speed-up
12-Month Cash Flow
HealthyAvg Revenue
$84.2k
DSCR
1.42
Risk Band
Low
From document to decision in under 10 seconds.
Four steps. Fully automated. Auditable from end to end.
Ingest
Upload via API, drag-and-drop, or direct integration. Any format. Any quality.
- PDF, Image, Native digital
- API, SFTP, Webhooks
- Batch or real-time
Analyze
AI models extract, classify, and cross-validate every data point simultaneously.
- Specialized model per type
- Maker-checker verification
- Field-level confidence
Verify
Fraud signals are scored. Conditions are automatically created and checked.
- 140+ risk signals
- Cross-document checks
- Explainable flags
Decide
Structured, audit-ready output delivered — approve, flag, or escalate.
- Structured JSON output
- Webhook notifications
- Audit log retained
Let AI read, reason, annotate, and recommend.
Credora classifies any document, extracts entities, explains issues with sticky notes, answers questions, and generates reviewer actions.
Drop any document here
AI will classify, extract, annotate, and triage
Active AI review file
Bank Statement
Bank Statement
Financial · PDF · 6p
applicant Name
Ava Morgan
income Monthly
5100
employer
Northstar Labs
address
12 King Street
0
Overlay notes
1
AI entities
98%
Confidence
Financial document reasoning
AI found no major blockers. This looks consistent with the financial playbook.
Verify income against deposits
Check employer consistency
Calculate cash-flow confidence
AI rationale
• Classified as Financial.
• 4 fields extracted.
• 4 related applicant documents found.
• Detected amounts: 5100.
• Detected organizations: Northstar Labs.
Credora AI Index
Model-like reasoning converted into decision metrics.
Document Authenticity
76/100
Layout, metadata, signature, validity checks
Claim Consistency
42/100
Names, values, dates, entities
Financial Confidence
87/100
Income, invoices, claims
Issue Density
100/100
Lower is better
AI Auto-clear Rate
20/100
Docs AI thinks can move forward
Built for institutions that move at scale.
One platform. Three audiences. Configured to the regulatory and operational realities of each.
Make every document decision count.
Join 500+ institutions using Credora to eliminate fraud, accelerate decisions, and build trust into every document workflow.